2012 Ford Fusion body & structure problems

I was wearing my seat belt hit head on driver front by another driver going approx 45MPH, clear conditions. Collision forced off road and I hit parked SUV with my front passenger front. No airbag deployment occurred during either hit, self belt did not lock, I was forced upward hitting my head on inside roof handle above driver door, then thrown forward hitting my chin on steering wheel.

Recently I had to take my car in for repairs, the inside driver's side door handle ceased to open. We purchased the extended warranty, but were told by the ford service department that this was considered to be a cosmetic repair and was not covered. I have had 2 ford fusions a 2008 and this 2012. Both cars had the inside drivers door handle break. I do not use excessive force to open the door. I have checked on the internet and found this is a common problem for these cars.